Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Friday, August 22 2025 at 11:00 AM (Pacific Time)
Wells Fargo | ||
---|---|---|
Rate | 5.875% (APR=5.937%) | 6.5% (APR=6.641%) |
Points / Credits | $2,131 | $9,017 |
Payment | $1,893 | $2,023 |
Saving over 30 years | $53,686 | $0 |
(Assumptions: Purchase price: $400,000. Loan amount: $320,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)
Loan Factory vs. Chase
Rates as of Friday, August 22 2025 at 11:00 AM (Pacific Time)
Chase | ||
---|---|---|
Rate | 6% (APR=6.073%) | 6.375% (APR=6.485%) |
Points / Credits | $1,386 | $2,853 |
Payment | $2,139 | $2,184 |
Saving over 30 years | $17,501 | $0 |
(Assumptions: Purchase price: $420,000. Loan amount: $350,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)
Loan Factory vs. Citibank
Rates as of Friday, August 22 2025 at 11:00 AM (Pacific Time)
Citibank | ||
---|---|---|
Rate | 5.75% (APR=5.785%) | 6.5% (APR=6.667%) |
Points / Credits | $563 | $1,125 |
Payment | $875 | $948 |
Saving over 30 years | $26,842 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $150,000. ZIP code: 90001, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)
Loan Factory vs. Bank of America
Rates as of Friday, August 22 2025 at 11:00 AM (Pacific Time)
Bank of America | ||
---|---|---|
Rate | 5.75% (APR=5.799%) | 6.5% (APR=6.724%) |
Points / Credits | $1,063 | $1,726 |
Payment | $1,167 | $1,264 |
Saving over 30 years | $35,583 | $0 |
(Assumptions: Purchase price: $250,000. Loan amount: $200,000. ZIP code: 95464, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)
Loan Factory vs. Guaranteed Rate
Rates as of Friday, August 22 2025 at 9:50 AM (Pacific Time)
Guaranteed Rate | ||
---|---|---|
Rate | 6% (APR=6.011%) | 6.25% (APR=6.643%) |
Points / Credits | $431 | $4,176 |
Payment | $2,098 | $2,155 |
Saving over 30 years | $24,265 | $0 |
(Assumptions: Purchase price: $437,500. Loan amount: $350,000. ZIP code: 60666, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)
Loan Factory vs. Better.com
Rates as of Friday, August 22 2025 at 11:00 AM (Pacific Time)
Better.com | ||
---|---|---|
Rate | 5.75% (APR=5.799%) | 6.375% (APR=6.545%) |
Points / Credits | $850 | $3,200 |
Payment | $934 | $998 |
Saving over 30 years | $25,390 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)